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Mortgage free in Forever Home :-)
Comments
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Great work on the pension and cat stuff!
How satisfying to be able to maximise that benefit and be able to change it if you want tohttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty2 -
Cat photo tax ❤️🤩
KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 55 books of target 52 in 2026 as @ 1st August.
Produce tracker: £192 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.11 -
They look quite at home already 💗Mortgage OP 2026 £1860/2000Mortgage balance: £30,298
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120, Jul £0, Aug
Summer challenge £120/3002 -
The fiddler on the left is George. The neat petite on the right is Chloe! 😉
KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 55 books of target 52 in 2026 as @ 1st August.
Produce tracker: £192 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.5 -
They look so cute & as skinty says so at home.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 14 months left.1 -
That is an absolutely amazing catio. Lucky pusscats.2
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I'm sure they'll have great fun in there. Hopefully a catio will minimise the risk of them bringing in their catches too...Achieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £166.7K Equity 38.23% 12/7/26
2) £1.8K Net savings after CCs 31/7/26 (but owed £400) so £2.2K
3) 44.5/82K = 54.26% AVC Goal by mid 20282 -
Loving the catio and @Brie idea of a hard roof for shelter
It coukd double as a workout room
I now remember seeing one years ago when my then partner went to buy kittens - very very expensive kittens
DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest2 -
Ah, I should explain …. The catio is just a temporary feature. It will be in place until LCs have got the hang of the electronic cat flap and are big enough to cope with the ruffian cats from next door ….
KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 55 books of target 52 in 2026 as @ 1st August.
Produce tracker: £192 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4 -
No win on the PBs … 😉🤷♀️
Guess I will have to go to work again today then 😉
KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 55 books of target 52 in 2026 as @ 1st August.
Produce tracker: £192 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4
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